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    • okay, perfect and thank you so much for the help once again. so firstly i am going to initiate the breathing space, during this time it's likely ill receive a default. when i receive the default are you aware of how long it will take for me to know whether the OC have sold it off to DCAs? Once it's with the DCAs i do not need to worry as they cannot issue a CCJ only the OCs can Even if i decide to come an arrangement with the DCAs no point as the default will remain for 6 years paid or not paid I should only consider repayment if the OC still won the debt and then issue a CCJ? Just to confirm the default will not be seen after 6 years? No one can tell I had one then after 6 years ill be all good?
    • I'm not sure we were on standard tariffs - I've uploaded as many proofs as I can for the ombudsman - ovo called last night uping the compensation to 100 from 50 pounds for the slip in customer service however they won't acknowledge the the problem them not acknowledging a fault has caused nor are they willing to remedy anything as they won't accept the meter or formula was wrong.   I'd appreciate more details on the economy 7 approach and I'll update the ombudsman with any information you can share. 
    • To re-iterate and highlight my urgent question on this one: The N24 from the court did not include any instructions to submit paperwork 28 days before the date, unlike the N157 received for other smaller claims. Do I have to submit a WS for this court date? Link has!...
    • No, reading the guidance online it says to wait for a letter from the court. Should I wait or submit the directions? BTW, I assume that the directions are a longer version of the particular of claim accompanied by evidence, correct?
    • Thanks for opening, it's been another rough year for my family and I've procastinated a little.. Due to the age of my defaults on this and other accounts (circa 2021), I really need to avoid a CCJ as that will be another 6 years of credit issues. Mediation failed as I played the 'not enough info to make a decision' however during the call for some reason they did offer settlement at 80%, I refused. this has been allocated to small claims track, court date is June 3 and I've received their WS. I'm starting on my WS. They do appear to have provided everything required of them (even if docs could be reconstructions). Not really sure what my argument is anymore but I do want to attend court and see this through. Should a judgement be made against me then I will clear the balance within 30 days and have the CCJ removed - this is still possible isn't it? I'm going to be reading up today and tomorrow and hope you can provide me some guidance in the meantime. Wonder what your advice would be given the documents they have provided? I am now in a position to clear the debt either by lump sum or a few large installments - Is this something i should look into at this late stage? Thanks as always in advance
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DWP home vist


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I recived a phone call today and it was from the DWP wanting to come to my home to talk about my income support claim, i started my claim in December when my ex husdand left me pregnant and with no money has anyone had this vist? what happened? really worried about it do they think iam a benifit cheat? all these things are going through my head making me very scared, iam now 36 weeks pregnant and feeling scared and stressed.

 

Please can anyone help

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it is fairly common for the compliance team to carry out a home visit when a claim is made following a relationship breakdown

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They visited me 13 yrs ago when I was first single & started claiming IS. Pretty sure they also wanted the exes details for CSA at the time.

It never crossed my mind that it was anything but normal proceedure, just goes to show how they put the wind up people these days!

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it is probably just a routine compliance visit to make sure you are not still with your ex

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They visited me a few years ago following a separation. It would have been routine except for the lady that came out decided that as my fil lived with us and ate with us and I did his washing etc. that that made him my partner. Fortunately someone back at her office saw sense ...

 

if you don't have any such complications like that you will be absolutely fine.

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Okay so i had my home visit yesterday and it was not bad at all he just asked me about my relationship and if i think i would be getting back with my ex wrote it all down in a statement and asked me to sign it and that was it! over in less that half a hour the only thing tho is i have read from other people who had a home visit that they wanted to see some id, bank statement , he did not ask for any of mine why was that??

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compliance visits are conducted for many different reasons, in your case it was to clarify whether you had reconciled or were likely to reconcile with your former partner, so that was what the questions were restricted to

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